Nearly everyone knows someone who has been diagnosed with cancer or heart disease. And people who are 65 and older have a higher risk of developing these conditions. When you are meeting with your potential Medicare Supplement clients during open enrollment, try cross-selling a Cancer & Heart Attack/Stroke policy. Cancer & Heart Attack/Stroke coverage are part of Critical Advantage℠ Portfolio. These policies have a lifetime coverage option that can be issued up to age 89. Benefits are paid upon first diagnosis of any covered condition, are paid directly to your client and can be used for any expense they have.
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Flexible Payment Options Added to More Products
Good news! Flexible payment options will be available for your Critical Advantage&sig;, Priority Income Protection® and Guaranteed Advantage clients starting September 27, 2019, for your clients that prefer to pay by automatic bank deductions. They now have the option to select a flexible payment date when choosing their reoccurring automatic deductions The new flexible payment options are shown below: Static dates: 1st through 28th or last day of each month Flexible day: Week/day combination – client can select a combination of: First, second, third fourth or last week of the month and any day Monday through Friday Here is the
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The Critical Advantage℠ Products Have Coverage for the Whole Family
Almost everyone knows someone who has had one of the covered conditions in the Critical Advantage product portfolio. Unfortunately, this may include family members. All the products in the Critical Advantage portfolio; Critical Illness, Cancer and Heart Attack and Stroke, offer individual, individual plus children and family coverage. Family coverage includes your client’s partner and all dependents who are under age 26. Either partner can be the primary insured on a family policy, but the premium is based on the oldest insured. Children are eligible for a maximum amount of coverage of $50,000 each and the premium is the same
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How to Introduce Critical Advantage Products to your Clients
With a critical illness diagnosis, there is usually out-of-pocket expenses included in treatment. With Critical Illness, Cancer and Heart Attack and Stoke coverage, your clients get paid a cash benefit to pay for any expense not covered by regular health insurance. This can include items like child care, travel and lost wages due to time away from work. If you need help with introducing these products to your Medicare Supplement or Long-Term Care clients, the Guide to Introducing Critical Advantage Products is what you need. Check out this handy guide for tips on cross-selling and what you need to be
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LTC13, Critical Advantage, TLA and Living Promise E-App Unavailable September 1st
On Sunday, September 1st, the Paperless Solutions Group e-app environment will be temporarily unavailable as we perform routine maintenance. This will affect LTC13, Critical Advantage, TLA and Living Promise product lines. The planned outage will last 5:00 a.m. (CST) Sunday through 5:00 p.m. (CST). For consideration of additional time zones, the outage window will be: Eastern — 6:00 a.m. through 6:00 p.m. Mountain — 4:00 a.m. through 4:00 p.m. West Coast — 3:00 a.m. through 3:00 p.m. We encourage you to take this outage window into consideration when arranging any appointments on Sunday, September 1st. We apologize for any inconvenience
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Get Your Clients Cash When They Need it the Most
Many of today’s health insurance plans come with a high deductible. If you have clients with these plans, talk to them about how our Critical Advantage℠ Portfolio can help. Critical Illness, Cancer and Heart Attack/Stroke products all offer a onetime cash benefit when diagnosed with a covered condition. This benefit can be used to cover your client’s high deductible, or any out of pocket expense they may have. Plus, the policies have no elimination period, so your clients get paid right away. See other tips on selling the products in the Critical Advantage Portfolio here. If you have questions,
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Critical Advantage℠ Portfolio Offers Clients Support When They Need it Most
It’s a topic most people don’t want to think about but, according to the American Heart Association: Approximately every 40 seconds someone in the US has a heart attack or stroke Heart attack is one of the most expensive conditions to treat Survival rate for both conditions continues to rise Heart Attack and Stroke policy can help your clients replace lost income, pay health insurance deductibles and keep up with ongoing living expenses like groceries and house payments, so they can focus on getting well. Talk to your clients today about the direct and indirect costs a heart attack or
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Dust off that book of business
Products in the Critical Advantage Portfolio can be the missing piece to help build your business. With the quick quoting options to the simplicity of the underwriting, Critical Advantage products are a perfect fit for you and your clients. The Critical Advantage Portfolio consists of Critical Illness, Cancer and Heart Attack/Stroke. Most of us know someone who has been diagnosed with one or more of the covered conditions, so the need for these products is great. Other product benefits include: Benefits paid direct to insured Competitive rates Built-in return of premium for Critical Illness To see more benefits of Critical
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Critical Advantage Rate Decrease for Existing Policyholders – WA
The final state will soon be approved for the Critical Advantage rate decrease of 20% for current policyholders. Effective September 1, 2019, Washington will be approved for the rate decrease. Your current customers in WA will not have to do anything to get the new rates. Their premiums will be at the new 20% rate cut automatically starting on 09/01/2019. Here is what your clients can expect with the lower rates. Age Current Monthly Rate New Monthly Rates Monthly Savings Yearly Savings 35 $22.81 $18.25 $4.56 $54.72 45 $38.09 $30.48 $7.61 $91.32 55 $59.69 $47.75 $11.94 $143.28 65 $86.69 $69.35
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Your Guide to Selling Critical Advantage℠
There’s nothing complicated about selling Critical Illness, Cancer and Heart Attack & Stroke products in our Critical Advantage portfolio. It’s easy to understand. The policy pays cash upon diagnosis. There are no medical bills to collect and submit It’s easy to sell. With just three knock-out questions for benefits up to $50,000, you know on the spot if a policy can be issued It’s quick to issue. Express underwriting means your policies are issued in a matter of days so you get paid quickly With the Critical Advantage portfolio, clients of almost any age can complement their health plans with
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